WHY YOUSHOULDNTTRANSFERYOUR ASSETSHas someone told you, you need to giveyour assets away to protect them?If you transfer your assets, you will:Lose control of them foreverBe dependent on those you transfer them toCreate additional taxes to those you transfer to.XRisk losing them to your children's bankruptcy, lawsuits,or to your children's spouses in divorceLose significant tax advantages.Risk becoming ineligible for Medicaid for60 months or more.Asset protection planning includes many complex lawsincluding tax law, trust law, Medicaid Law,probate law and contract law.Make sure your attorney is qualified to protect youLearn about asset protection trusts that:Allow you to control your assets until death.Allow you to retain all income from your assets.Enable you to protect your assets from thenursing home.Ensure you qualify for Medicaid in the shortestperiod of time possible.UPCOMING ESTATE PLANNINGESSENTIALS WORKSHOPS:Quincy Council on Aging (Kennedy Center)440 E. Squantum Street, QuincyWednesday, November 20, 2019 at 10:00am-1 2:00pmThayer Public Library798 Washington Street, BraintreeFriday, November 22, 2019 at 10:00am-12:00pmReservations RequiredSeating Limited to 20 seats per SessionNo Cost or Obligation-Refreshments ServedCall 617-769-9843 to reserve your seat today.Law Office of Robert E. RomanoEstate Planning, Medicaid Planning, Asset Protection, Elder Law21 FRANKLIN STREET, QUINCY MARobert E. Romano, Esquire, CFPNWCN1384972www.RobertRomanoLaw.com WHY YOU SHOULDNT TRANSFER YOUR ASSETS Has someone told you, you need to give your assets away to protect them? If you transfer your assets, you will: Lose control of them forever Be dependent on those you transfer them to Create additional taxes to those you transfer to. XRisk losing them to your children's bankruptcy, lawsuits, or to your children's spouses in divorce Lose significant tax advantages. Risk becoming ineligible for Medicaid for 60 months or more. Asset protection planning includes many complex laws including tax law, trust law, Medicaid Law, probate law and contract law. Make sure your attorney is qualified to protect you Learn about asset protection trusts that: Allow you to control your assets until death. Allow you to retain all income from your assets. Enable you to protect your assets from the nursing home. Ensure you qualify for Medicaid in the shortest period of time possible. UPCOMING ESTATE PLANNING ESSENTIALS WORKSHOPS: Quincy Council on Aging (Kennedy Center) 440 E. Squantum Street, Quincy Wednesday, November 20, 2019 at 10:00am-1 2:00pm Thayer Public Library 798 Washington Street, Braintree Friday, November 22, 2019 at 10:00am-12:00pm Reservations Required Seating Limited to 20 seats per Session No Cost or Obligation-Refreshments Served Call 617-769-9843 to reserve your seat today. Law Office of Robert E. Romano Estate Planning, Medicaid Planning, Asset Protection, Elder Law 21 FRANKLIN STREET, QUINCY MA Robert E. Romano, Esquire, CFP NWCN1384972 www.RobertRomanoLaw.com

Date: November 16, 2019

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WHY YOU SHOULDNT TRANSFER YOUR ASSETS Has someone told you, you need to give your assets away to protect them? If you transfer your assets, you will: Lose control of them forever Be dependent on those you transfer them to Create additional taxes to those you transfer to. XRisk losing them to your children's bankruptcy, lawsuits, or to your children's spouses in divorce Lose significant tax advantages. Risk becoming ineligible for Medicaid for 60 months or more. Asset protection planning includes many complex laws including tax law, trust law, Medicaid Law, probate law and contract law. Make sure your attorney is qualified to protect you Learn about asset protection trusts that: Allow you to control your assets until death. Allow you to retain all income from your assets. Enable you to protect your assets from the nursing home. Ensure you qualify for Medicaid in the shortest period of time possible. UPCOMING ESTATE PLANNING ESSENTIALS WORKSHOPS: Quincy Council on Aging (Kennedy Center) 440 E. Squantum Street, Quincy Wednesday, November 20, 2019 at 10:00am-1 2:00pm Thayer Public Library 798 Washington Street, Braintree Friday, November 22, 2019 at 10:00am-12:00pm Reservations Required Seating Limited to 20 seats per Session No Cost or Obligation-Refreshments Served Call 617-769-9843 to reserve your seat today. Law Office of Robert E. Romano Estate Planning, Medicaid Planning, Asset Protection, Elder Law 21 FRANKLIN STREET, QUINCY MA Robert E. Romano, Esquire, CFP NWCN1384972 www.RobertRomanoLaw.com WHY YOU SHOULDNT TRANSFER YOUR ASSETS Has someone told you, you need to give your assets away to protect them? If you transfer your assets, you will: Lose control of them forever Be dependent on those you transfer them to Create additional taxes to those you transfer to. XRisk losing them to your children's bankruptcy, lawsuits, or to your children's spouses in divorce Lose significant tax advantages. Risk becoming ineligible for Medicaid for 60 months or more. Asset protection planning includes many complex laws including tax law, trust law, Medicaid Law, probate law and contract law. Make sure your attorney is qualified to protect you Learn about asset protection trusts that: Allow you to control your assets until death. Allow you to retain all income from your assets. Enable you to protect your assets from the nursing home. Ensure you qualify for Medicaid in the shortest period of time possible. UPCOMING ESTATE PLANNING ESSENTIALS WORKSHOPS: Quincy Council on Aging (Kennedy Center) 440 E. Squantum Street, Quincy Wednesday, November 20, 2019 at 10:00am-1 2:00pm Thayer Public Library 798 Washington Street, Braintree Friday, November 22, 2019 at 10:00am-12:00pm Reservations Required Seating Limited to 20 seats per Session No Cost or Obligation-Refreshments Served Call 617-769-9843 to reserve your seat today. Law Office of Robert E. Romano Estate Planning, Medicaid Planning, Asset Protection, Elder Law 21 FRANKLIN STREET, QUINCY MA Robert E. Romano, Esquire, CFP NWCN1384972 www.RobertRomanoLaw.com

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